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By: backtosd808
Health Savings Associates Insurance
Health Savings Associates really impressed me. I grew up here in San Diego, moved to Hawaii and have now moved back. I was thankful that a friend referred me to Health Savings because after living in a place where health insurance isn't an *issue* I didn't know where to start. The broker I spoke with was very honest. She explained to me the pros and cons of group and individual insurance (we have a small business with no employees) and we finally decided to apply for insurance individually, because we're healthy and it would be much less costly. Her honesty really put me at ease and let me know that she was focused on my well-being, not my wallet. My broker ran multiple quotes which she emailed me, and even came to our house to go over all of our options and thoroughly explained each plan: why one plan would cost more than the other, the difference between a deductible and an out of pocket maximum- the whole 9 yards. She even did a quick *exposure analysis* for us to help us make a final decision. After about 2 hours of learning how my insurance works (interesting stuff, to me at least), I was confident in my decision and happy with the coverage I was purchasing for myself and my family. My broker even helped me realize that I didn't need insurance so immediately, because (I had no idea) my former emloyer's benefits wouldnt end until the end of this month. I would absolutely recommend Health Savings Associates. They're people looking out for people- doesn't get much better than that.
By: Gabriel D.
Pacific Trade Insurance Agency
I cannot imagine anyone in that company being even remotely rude. I am so absolutely overly impressed and amazed at the service this company gave me. From day one every single person that i spoke to was professional, friendly, patient and seriously went out of the way to take care of any concerns that i had. Insurance is not a joke and could be pretty daunting at times but Mike and his team make a very big point to address their clientele with kindness and patience. There was no pushiness whatsoever in making any decisions at any stage of the game. Only follow ups and excellent service. There is a very special team spirit that the staff possess. Mike gave me so many quotes, with so many options and was so patient. If the service was half as good i would still have given this company five stars. So happy with the product i bought and am looking forward to many fruitful years ahead!
By: fool2bleave
Finest City Vehicle Registration
My experience with the young man working at Finest city started well,.He was confident, cocky and assured me he had it handled and he would get back to me when he was finished, let me state that my Reg. was not a normal situation at all it was confusing to say the least and time consuming but he had it handled not to worry, fast forward two weeks I CALL HIM to be told that my Title Co. he was dealing with had said they wanted to talk to me and that he was frustrated with it all. That was on a Wed. afternoon, they asked to talk to me on the previous Tuesday, he never called to tell me anything. ....AVOID this Co.
By: katskap
Health Savings Associates Insurance
WOW! I contacted them because I am concerned about how Health Care Reform is going to affect my business. I heard these guys on George Chamberlin's show talking about it, and they invited listeners to call them if they had any questions. So I did. And I have to tell you, they are amazing experts at helping small businesses like mine understand what is coming my way and how to protect myself starting now and going into 2014. I switched to them right away, and they were also able to help me save money on my health insurance! I highly, highly recommend Health Savings Associates to everyone. Thanks
By: ellering
Lisa Keith - State Farm Insurance Agent
Getting an insurance quote has always been confusing. I think that auto insurance in general is confusing. I called the San Diego, Lisa Keith office and the staff was very helpful in explaining what State Farm has to offer vs other companies out there. They explained all the coverages since no one had ever done that for me. They made my experence the best is has ever been in regards to insurance. When I went into the office to pick up the ID cards they gave me a bunch of free stuff. I love free stuff. Thank you so very much. All of you are so wonderful.
By: Jim J.
State Farm Insurance
wonderful agent and is always checking up to make sure that my coverage meets my needs, to see if I have any questions, and to tell me about other things that may benefit me like life insurance. the team is also wonderful and is always fast to answer any questions I may have. I highly recommend Britney Oats as an agent and checking it out to see if you can save money by switching...cuz I bet you can!
By: Kathy N.
Your Good Insurance
I am working with Layne today on quotes for my new home in Ramona. I used to be in homeowner insurance sales, so I knew right away that Layne is extremely knowledgeable and is out to cater to his client's needs. He is not one to rush off the phone but is very thorough. I highly recommend.
By: Clarence L.
Mo Mahoney - State Farm Insurance Agent
Very friendly and helpful - took time to listen and gave me great options. Mo and his team really care and it shows - I switched my insurance and am really happy. So happy I recommended Mo to my roommate (sister) and now save even more $!!!
By: joseph.jaehnig
Farmers Insurance - David Jaehnig
For the past 10 years Dave has assisted in getting me the best rates for all of my policies. Working w/ someone that I know I can trust gives me know reason to shop elsewhere. I love this family business. Thanks Dave
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By: Joshua J.
Lisa Keith - State Farm Insurance Agent
I had an absolutely wonderful experience with Lisa and her crew at State Farm. They were very patient with my 1001 questions, and at no time made me feel like I was annoying them. Thanks again for all your help!!
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornados, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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